Cheap Car Insurance in Texas

Find Best Cheap Car Insurance in Texas

Texas is the second largest state in the country in both population and size. It’s also home to one of the largest shipping hubs in the nation since truckers can reach ninety-seven percent of the country from Dallas within forty-eight hours. With so many people and so many shipping centers, there are plenty of cars on the road. This is why Texas car insurance is so important to have. In fact, the state requires that drivers carry Texas car insurance to stay legal. Whether you’re concerned about staying legal or just want to ensure that you and your family are protected financially, choosing the right Texas car insurance policy is important. By following the instructions in our article, you will be fully protected by buying cheap car insurance in Texas.

Obtaining cheap car insurance in Texas can be a frustrating ordeal but with the right information, you can find some excellent comprehensive plans.

Texas Car Insurance Laws

Texas is an “at-fault-state”, so when there is an accident one driver is determined to be responsible and therefore liable for all the personal and property damages. Texas state law says that all drivers must have car insurance to help cover these costs should they arise. The consequences of driving without valid car insurance in Texas are quite severe.

Texas car insurance minimum requirements are 30/60/25 coverage. This provides $30,000 coverage for a single individual for bodily injuries per accident, $60,000 coverage for bodily injuries to two or more people per accident and $25,000 coverage for property/vehicle damage per accident. This minimum requirement does not cover the insured party’s vehicle.

  • $30,000 bodily injury coverage for one person in a single accident
  • $60,000 bodily injury coverage total per accident
  • $25,000 property damage coverage per accident

There are other options available to you. If there is a lien on your car because you are still making payments on it the lien-holder may require that you carry additional insurance that will repair the car if you are at fault or if the other driver is uncovered. If the car is paid for, but still worth a good amount of money, you may decide to purchase collision insurance on yours.

You may also make a deposit of $55,000.00 to either the county comptroller or the county judge. These funds will be set aside and can be used to pay any obligations you acquire while driving your automobile.

Another option, if the coverage needs to be for two people, both property owners, is to take out a surety bond with the county clerk. This will be putting the property on the line if you are in an accident. The property may be sold to pay your obligations.

When you begin to look at Texas car insurance policies that go beyond the minimum coverage, start by looking at just what they’ll cover. Some provide coverage for only medical or repair bills up to a limit, for example, while other Texas car insurance policies will protect your car from all sorts of various calamities including broken windshields, flood damage, and even fire. Once you know what a Texas car insurance policy covers you’ll be able to start comparing the various options with more precision. Some may cost more and fail to offer the same level of coverage, which is an important thing to spot when buying a Texas car insurance policy.

Various things can affect the prices of your Texas car insurance, as well. You can normally raise deductible levels to lower monthly premiums and vice versa, for example. And when shopping for Texas car insurance be sure to look into whether you can receive a discount if you insure multiple cars through the same policy. And be always sure that if you’re opting for the liability coverage option that it offers the required level of Texas car insurance coverage or you could be paying for a policy that isn’t actually keeping you legal while driving.

Texas Car Insurance – Liability or Full Coverage?

Texas car insurance is one of the most important investments that you can make as a driver in Texas. While most people think of their car and its features as the only major consideration involved in getting on the road, the truth is that choosing the right Texas car insurance policy is important as well. The Lone Star State has some of the most densely populated metro areas in the nation, like the Dallas – Fort Worth area that is home to six, and a half million people. Most of those people have automobiles, which helps to increase the number of accidents that occur each year in Texas and thereby increase the importance of Texas car insurance.

Like most other states, Texas requires that drivers carry Texas car insurance. They only require a driver to have a liability insurance policy. These Texas car insurance policies essentially only pay for damage that you do to someone else’s property, including real estate and automotive property, and pay for their medical bills. In other words, these Texas car insurance policies only pay for what you are held liable for if an accident. Many people opt to use only liability coverage not only because it is the only form required by law, but also because it is normally much cheaper than other types of Texas car insurance.

If you have a lien against your car or are still making payments, Texas car insurance laws require that you carry Comprehensive and Collision Texas car insurance coverage so that your car can be completely repaired if an accident occurs. Choosing this extra Texas car insurance coverage is often a good idea anyway since it will ensure that you’re able to get back on the road by either paying for your repairs or giving you a check for the value of your vehicle if it is totaled. While full coverage car insurance in Texas will cost a bit more, there are a few things that can keep the price of it down somewhat.

The most obvious way to keep your full coverage Texas car insurance prices low is to maintain a safe driving record. The safer you're driving, the less you’ll pay for Texas car insurance. You can also get a better deal when you take out an insurance policy on multiple cars or by taking a defensive driving course. While some people will still opt for liability only, those that can afford the extra money will be better off if they purchase cheap full coverage car insurance policies.

Here are a few of the common add-ons you will want to consider:

  • Comprehensive and Collision: Will pay for damages caused to the insured party’s vehicle minus any deductibles which may applicable, regardless of fault.
  • Uninsured Coverage: Covers medical bills, property damage and vehicle repairs which are caused by an uninsured driver or in a “hit-and run”. In 2007 it was estimated that 15% of drivers in Texas were uninsured.
  • Personal Injury Protection (PIP): Will pay for all reasonable medical and funeral expenses for the insured, and their passengers as well as 80% of lost income caused from a driving accident.

How Much is Car Insurance in Texas

Description Price
Texas Minimum Car Insurance Coverage Rate $732 - $1,004
Texas Minimum Full Coverage Car Insurance Rate $1,798 - $2,055
Texas Minimum Car Insurance Coverage for Young Drivers Rate $1,452 - $1,767
Texas Minimum Full Coverage Car Insurance for Young Drivers Rate $2,518 - $2,849
Average monthly car insurance rate in Texas $61 - $237

The average car insurance rates in the state of Texas are somewhat lower than the national average. In cities, you can expect to pay higher than average rates due to cost of living, traffic, crime and, in some cases, weather.

Here are the average TX car insurance rates for a few cities: Amarillo: $1,014, Austin: $840, Corpus Christi: $1,019, Dallas: $986, Fort Worth: $1,004, Garland: $1,142, Houston: $1,193, San Antonio: $1,064, Waco: $1,058.

Factors Affecting Car Insurance Costs in Texas

What are some of the factors affecting car insurance costs and Texas these days? When you begin to start thinking about that question and relating it to the Texas car insurance quotes you can start to see those risk factors as the all-important formulations for that decision. Risk factors are what the insurance underwriters use for estimations of what likelihood an individual driver in the state of Texas will have for getting into an accident. Understanding TX car insurance rates will help you understand how to save the most money possible on your car insurance. Each Texas car insurance company is a bit different in how they formulate their rates; however, the important factors that influence those rates are common throughout the industry. Knowing these factors can put you ahead of the game when seeking out affordable car insurance in Texas.

Look at a Listing of the Risk Factors in Texas

A great way to learn about these risk factors and maybe even save on your next Texas car insurance policy is to look at a listing of the risk factors in Texas for car insurance companies.

  • Driver Age
  • Model of Car
  • Safety Rating for the Automobile
  • Safety Features of the Vehicle (airbags, antilock brakes)
  • Anti-Theft Features (cut-off switches, computer-chip key ignitions)
  • Vehicles Age
  • Location of Car
  • Marital Status
  • Personal Driver Record
  • Estimated Annual Mileage
  • Ability to Repair or Replace Damaged Vehicle
  • Natural Disasters Proximity Location
  • National Averages for Medical Costs
  • Accident and Theft Rating of Locality

As you can see the car insurance rates Texas-based carriers have a lot of numbers to crunch before they come up with an adequate agreeable car insurance quote. Understanding what some of these risk factors or an especially the main risk factors that a Texas car insurance company will use to come up with a price for your car insurance needs you are that much closer to saving money in the world of car insurance.

You Have the Power

As you take a look at the list look at the things that you have control over such as the make and model of your vehicle and you're driving record. All the Texas car insurance quotes will certainly have at least some of those risk factors involved in the compilation of your online insurance rate. You need to understand that risky driving or parking the vehicle in an unsafe area night after night can be changed and unless you live there the risk is not worth the reward. You have the power to alter not only the dichotomy of the insurance recourse but to affect the very price that you pay for that insurance rate while in Texas.

Important Factors Influencing Car Insurance in Texas

City Speed Limits Maximum at 70 mphs
Freeway Speed Limits Maximum speed limit of 75 mph (If the highway is designed to suit this speed, the speed can rise to 80 mph or 85 mph)
Blood Alcohol Limits BAC is 0.08 percent . The alcohol ratio for commercial drivers is 0.04% . All alcohol levels for drivers under 21 years
Open Container Law It is completely illegal to have an open container of alcohol in the car, whether or not you are using the vehicle.
Cell Phones Laws Since 2017, reading or writing messages mail has been banned while driving in Texas. Also, use of handheld cell phones is banned under the following conditions. Be a driver under 18. Using the school bus while children are inside. Use in school districts. Be driving less than 6 months.
License Suspension on DUI If the driver performs poorly on the field sobriety tests then the driver will be arrested for DWI or BWI . The driver is tested. The driver fails the field sobriety test (0.08 BAC or more) icense suspended from 90 days to 2 years
License Suspension on BWI Same DUI

Choosing the Right Car Insurance Companies in Texas

Finding affordable car insurance in TX is dependent upon finding the right insurance company to provide it. In most respects, you get what you pay for, so you need to be sure you do a bit of research to find the best coverage you can that is also affordable. Cheapest is not always the best money saver in the long run. So, take a few minutes to learn how to shop for the best company and you will be better equipped to find the affordable car insurance in TX that gives you what you pay for.

Options - In Texas, there are over 200 car insurance companies from which to choose. That is a lot of choices and a lot of competition, which means you control the shopping experience. They want your business. Of those 200 plus insurance companies, not all are reputable, not all are a good fit for your needs, and not all are going to offer you affordable car insurance in TX. You need to compare. Compare things such as claims service, insurance product offerings, customer service, financial stability and, of course, rates.

Available Insurance Products - The insurance products offered by a particular insurance company can make a big difference in which company you choose. Most car insurance companies offer standard coverage areas. The difference from one company to another will be the small things as far as the car insurance policy is concerned. You want to focus on the other products offered. You want a company that also offers homeowners insurance, renters insurance, boat insurance, umbrellas policies, and even life insurance. You can save quite a bit on your Texas car insurance, as well as other types of insurance if you can get them all with the same company.

Financial Stability - The financial stability of a specific insurance company becomes more important with the more business you send their way. It is not that big of a deal if your car insurance company folds (as long as you don’t have a claim filed at the time), but if you have life insurance and investment products you may be headed for losses or, at the very least, legal headaches. Of course, you want a company that can pay off claims of widespread devastation comes through your area destroying homes and vehicles. AM Best, Moody’s and Fitch are all great resources that provide online financial ratings of insurance companies.

Customer Service - Of course, you want an car insurance company that is going to answer your calls, answer your questions and service any claims you file with little hassle and a quick response time. Not all TX car insurance companies do this, so you want to weed those out. A great resource for ratings of this sort is JD Power & Associates. You can also check out your local Better Business Bureau and ask around. Find out from friends, family, and co-workers who have treated them well and who has treated them poorly.

Price - Price is on everyone’s mind and is certainly a big part of shopping for the right company to provide you with affordable car insurance in Texas. This is rather easily done through the use of online rate quotes. For free and in only a few minutes you can get quotes from a number of the best insurers in Texas. Along with the other information you have sought out, you are now ready to find top-notch, affordable car insurance in TX.

Car Insurance Quotes in Texas

Average car insurance quotes for Texas car insurance companies

Rank Car Insurance Company Name Price/Year
1 GEICO $746
2 Texas Farm Bureau $759
3 SafeAuto $778
4 Nationwide $792
5 Progressive $814
6 Farmers $863
7 State Farm $925
8 Mercury $971
9 Allstate $1,355
10 Unitrin $1,463
11 Encompass $1,496
12 21st Century $1,589
13 MetLife $1,873
14 Kemper Security $1,964

Get Cheap Car Insurance in Texas

The best way to obtain the most affordable coverage is to compare quotes from different companies to find the best premiums and add-on options available to you. Rates can vary as much as 200% so it is absolutely crucial to shop around and not just take the first quote that you find. The internet makes this easier than ever as you will find that most companies now have their rates available online. We will help you find cheap car insurance in Texas.

The auto insurance rates which you will receive are based on a wide variety of factors, from your age and sex to your driving record, and the type of vehicle you own, so it is impossible to state the exact amount that any individual should expect to pay. However, here are some excellent tips to help you to identify the best Texas auto insurance rates online :

  1. Many insurers offer significant discounts to specific groups such as people with perfect driving records or college students. Always check all the available discounts to see if there are some which you can take advantage of.
  2. All the provide as many relevant details as possible to ensure that you receive an accurate quote.
  3. Higher deductibles result in lower insurance premiums all the in doing, so you risk watering down your coverage. Don’t compromise your long term financial security in an unforeseeable traffic accident to save money in the short term.
  4. Reduce the number of miles that you drive to qualify for low mileage discounts.
  5. Auto insurance rates fluctuate greatly on a month to month basis. Have a look at a monthly trend graph to help you determine when is likely the best time to buy.
  6. Having an anti-theft device installed in your car can lead to discounts which make them well worth the money.
  7. Families should compare insurance companies quotes based on sex and vehicle type as it can make a substantial difference to their premium rates. For example if you have a truck it often makes the most financial sense to have a female insured as the main driver. If you have a teenager or new driver then you will save money from having them insured as the driver of a safer model such as a family sedan rather than a sports car!

Saving big on Texas car insurance is easier when you keep a clean driving record that is free of traffic violations and accidents. Lower mileage cars likely have lower costs, and taking a defensive driving course can save you big by helping you qualify for Texas car insurance discounts. And most Texas car insurance providers usually offer additional discounts for things like insuring multiple cars or other vehicles, maintaining uninterrupted coverage, and more. Something as simple as asking about current special offers can end up saving you money when you buy Texas car insurance.

One of the biggest mistakes to avoid when buying Texas car insurance is to just buy the first policy you find. Instead, you should take the time to shop around and compare various policies to see what each offers in not only price, but coverage. You’ll be surprised what kind of deals in Texas car insurance you can find by simply looking at all the various policies out there. And adjusting deductibles and coverage amounts can also help you get the best price. Everything’s bigger in Texas, but Texas car insurance prices don’t have to be.

Discounts that Affect TX Car Insurance Rates

Car insurance discounts are a way for insurance companies to reward certain customers who present less of an insurance risk. Understanding these discounts will help you better seek out the ones you can qualify for. Some common discounts include:

  • Bundled policy discounts
  • Club membership discounts
  • Excellent student discounts
  • Good credit score discounts
  • Armed forces and soldiers discount
  • Group discounts
  • Occupational discounts
  • Renewal discounts
  • Accident-Free discount
  • Premium paid in full discount
  • Elderly/Retired discount

If you have a few minutes, visit the sites of a few auto insurance companies to know what specific discounts they have available to customers. You will notice a trend and can take advantage of it to save even more.